2012-07-26T14:29:07-05:00 2011-12-31 431887384 STEPHEN LANG & ASSOCIATES LLC 14323 S OUTER 40 STE N205 CHESTERFIELD MO 63017 990 2011-01-01 430739854 VANTAGE CREDIT UNION VANT 3142980055 4020 FEE FEE ROAD BRIDGETON MO 63044 HUBERT H HOOSMAN JR 3142980055 2012-07-26 1 P01203453 3142058601 2011 2016-02-24 21:20:13Z HUBERT H HOOSMAN JR 4020 FEE FEE ROAD BRIDGETON MO 63044 67527648 0 X WWW.VCU.COM X 1957 MO WE ARE COMMITTED TO PROVIDING SUPERIOR SERVICE AND VALUE TO OUR MEMBER-OWNERS. 7 7 353 11 0 0 0 0 47312124 45354487 1103126 929248 0 0 48415250 46283735 0 0 0 0 15316751 15915268 0 0 0 32347606 30930123 47664357 46845391 750893 -561656 643190272 673355813 582231917 613023225 60958355 60332588 WE ARE COMMITTED TO PROVIDING SUPERIOR SERVICE AND VALUE TO OUR MEMBER-OWNERS. 0 0 PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 99,556 MEMBERS. PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2011, LOANS OUTSTANDING TOTALED $446,904,055. PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $3,859,150 FOR THE YEAR. 0 0 1 0 0 0 0 1 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 1 18480 0 1 353 1 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X DOUGLAS E RUCKMAN 3142980055 4020 FEE FEE ROAD BRIDGETON MO 63044 DR JERRY EICHHOLZ 1.00 X 831 0 0 DR WILLIAM SOLOMON 1.00 X 0 0 0 MARK RUDOLPH 1.00 X 1117 0 0 DANIEL ISOM 1.00 X 0 0 0 CHITONYA TONI MARTIN 1.00 X 0 0 0 DANIEL BOYLE 1.00 X 0 0 0 DR PAUL ZIEGLER 1.00 X 2016 0 0 HUBERT H HOOSMAN JR 40.00 X 298933 0 22550 ERIC V ACREE 40.00 X 161979 0 19081 DOUGLAS E RUCKMAN 40.00 X 140679 0 19533 RANDAL T YECK 40.00 X 133918 0 18984 CAMERON MINGES 40.00 X 136638 0 18341 CINDY A HARBISON 40.00 X 126183 0 2937 1002294 0 101426 7 0 1 0 0 INTEREST ON LOANS 522100 28035559 28035559 FEES & OTHER INCOME 522100 17318928 17318928 45354487 1016413 1016413 21046406 110342 21029787 214126 16619 -103784 -87165 -87165 46283735 46283735 0 0 1103720 10137288 1461111 2318593 894556 151095 114151 835308 892236 2479667 2716131 2304515 141890 93010 762321 3086076 309134 PROVISION FOR LOAN LOSS 6912547 LOAN SERVICING 4010083 MEMBER DIVIDENDS 3859150 NCUSIF ASSESSMENTS 1433041 829768 46845391 24898422 17849613 39357840 75456849 439409317 439811906 1353162 1485639 56589552 23747575 34090263 32841977 88656541 85801708 15424727 20108121 643190272 673355813 6934535 12674954 194406 370669 17094566 16006885 558008410 583970717 582231917 613023225 X 0 0 0 0 60958355 60332588 60958355 60332588 643190272 673355813 X -561656 -64111 X 0 1 1 X 0 380 380 380 1 CUPAC OF MISSOURI 2055 CRAIGSHIRE DR ST LOUIS MO 631464009 431310069 100 CUPAC IL 1807 W DIEHL RD NAPERVILLE IL 605667107 363092340 280 ORGANIZATIONS DIRECT AND INDIRECT POLITICAL CAMPAIGN ACTIVITIES: PART I-A, LINE 1: CONTRIBUTIONS TO VARIOUS CREDIT UNION POLITICAL ACTION COMMITTEES (CUPAC) RELATED TO CUPAC SPONSORED GOLF TOURNAMENTS. 0 1 18104940 18104940 18695081 7924750 10770331 2181766 1937491 244275 17607765 13885334 3722431 32841977 MEMBER SHARE DEPOSITS 583098919 PENSION PLAN LIABILITY - SFAS 158 871798 583970717 46283735 46845391 -561656 474943 -539054 -64111 -625767 46283735 0 46283735 0 46283735 46845391 0 46845391 0 46845391 PART IV, LINE 2B: THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS. DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: PART X: THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION DESCRIBED IN INTERNAL REVENUE CODE SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF BUSINESS ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSE. HOWEVER, IRC SECTION 511 IMPOSES TAX ON UNRELATED BUSINESS INCOME. IN MANAGEMENT'S OPINION, THE CREDIT UNION HAS NO UNRELATED BUSINESS INCOME AND NO TAX ACCRUAL HAS BEEN RECORDED. THE CREDIT UNION IS NOT AWARE OF BEING SUBJECTED TO U.S. FEDERAL EXAMINATIONS BY TAX AUTHORITIES FOR YEARS BEFORE 2008. DURING THE YEARS ENDED DECEMBER 31, 2011 AND 2010, THE CREDIT UNION HAS RECOGNIZED NO EXPENSE FOR INTEREST OR PENALTIES. X 1 1 X X 0 0 0 HUBERT H HOOSMAN JR 291333 0 0 0 7600 0 2933 0 19617 0 321483 0 0 0 ERIC V ACREE 161979 0 0 0 0 0 1645 0 17436 0 181060 0 0 0 DOUGLAS E RUCKMAN 140679 0 0 0 0 0 1426 0 18107 0 160212 0 0 0 RANDAL T YECK 133918 0 0 0 0 0 1358 0 17626 0 152902 0 0 0 CAMERON MINGES 136638 0 0 0 0 0 1366 0 16975 0 154979 0 0 0 PART I, LINE 1A THE CREDIT UNION PROVIDED TRAVEL FOR COMPANIONS OF THE FOLLOWING BOARD MEMBERS: DR. JERRY EICHHOLZ, CHAIRMAN - $831 DR. WILLIAM SOLOMON, VICE CHAIRMAN - $396 MARK RUDOLPH, SECRETARY/TREASURER - $1,117 DR. PAUL ZIEGLER, DIRECTOR - $2,016 AS APPLICABLE, AMOUNTS WERE TREATED AS TAXABLE COMPENSATION AND FORMS 1099-MISC WERE FILED AS REQUIRED. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS. FORM 990, PART VI, SECTION A, LINE 7B SIGNIFICANT CHANGES SUCH AS CHANGES TO BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR. FORM 990, PART VI, SECTION B, LINE 11 THE SUPERVISORY COMMITTEE SELECTS/APPROVES THE ACCOUNTING FIRM TO COMPLETE THE RETURN. THE RESPONSIBLITY FOR REVIEWING THE 990 IS DELEGATED TO THE PRESIDENT, WHO IN TURN, REVIEWS THE DETAILS WITH OTHER MEMBERS OF MANAGEMENT BEFORE SIGNING. FORM 990, PART VI, SECTION B, LINE 12C ON AN ANNUAL BASIS, THE PRESIDENT AND ALL DIRECTORS, COMMITTEE MEMBERS, AND KEY EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES COMPENSATION BASED ON A SIGNED EMPLOYMENT CONTRACT. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE PRESIDENT AND IS PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES. FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMENTS ARE PRESENTED AT THE ANNUAL MEETING AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 5: NET UNREALIZED GAINS ON INVESTMENTS: 474,943. PENSION LIABILITY ADJUSTMENT -539,054. TOTAL TO FORM 990, PART XI, LINE 5: -64,111. MEMBERS RESOURCES LLC 4020 FEE FEE ROAD BRIDGETON MO 63044 274479158 CREDIT UNION SERVICE ORGANIZATION PROVIDING MORTGAGE AND INSURANCE SERVICES. MO 1127779 5461242 TECHATCHERY LLC 4020 FEE FEE ROAD BRIDGETON MO 63044 272789465 CREDIT UNION SERVICE ORGANIZATION PROVIDING SOFTWARE SERVICES. MO 23 5231